Aug 11, 2016, 1:33 pm
Last edit by: RedSun
Ritz-Carlton Rewards Visa Infinite (closed to new applications)
All card offers are dead as of 7/26/18.
Information still available on the Chase SITE.
The previous version of this card was discussed HERE.
(Expired) New Card Bonus ($4,000 spending): Two free night certificates good at any Ritz Carlton (Marriott) properties up to 60,000 points (possible to book any SPG properties later)
(old: at any tier 1-4 Ritz Carlton Hotel after $4k spend).
current offer (dead): https://creditcards.chase.com/a1/rit...n/naepredirect
Things qualifying/not qualifying under $300 annual travel credit
one member wrote: AA is now showing gift cards as "giftcard" rather than general purchase if the csr looks closely. Last year it worked for me, yesterday it did not and csr told me that's why. However, later the same day I also requested the credit by Secure Message (for "baggage fees) and it was approved. Very YMMV now but still doable. 2/10/2017
Southwest Airlines GCs work fairly easily. I've generally bought them for $150 and said they're excess baggage fees.
Frequent Miler has a collection of data points of what has worked in the past. Link
All card offers are dead as of 7/26/18.
Information still available on the Chase SITE.
The previous version of this card was discussed HERE.
(Expired) New Card Bonus ($4,000 spending): Two free night certificates good at any Ritz Carlton (Marriott) properties up to 60,000 points (possible to book any SPG properties later)
(old: at any tier 1-4 Ritz Carlton Hotel after $4k spend).
current offer (dead): https://creditcards.chase.com/a1/rit...n/naepredirect
- Annual fee of $450 NOT waived.
- 6 points per dollar at Marriott properties, including SPGs and Ritz-Carltons. (same as all Chase & AmEx Marriott cards)
- 3 points per dollar at restaurants, car rental companies and airline tickets purchased directly from airlines
- 2 points per dollar on all other purchases (same as all Chase & AmEx Marriott cards)
- Annual (anniversary) free night award good at any Marriott (including Ritz) property up to 50,000 MRs.
- Automatic Marriott Gold Status.
- Marriott Platinum Status after $75,000 card spending in a card-member year.
$100 companion airfare discount booked through Visa Infinite website.- $100 statement credit for Global Entry after the Global Entry program application fee is charged to an eligible card.
- $300 Annual (calendar) Travel Credit "Only the following types of non-ticket purchases qualify for this offer: airline lounge day pass, or towards a yearly lounge membership of your choice; airline seat upgrades; airline baggage fees; in-flight Internet/entertainment; in-flight meals."
- Three (3) Ritz Carlton Club Level upgrade certificates each year for up to 7 nights each stay. The stays must be paid stays, excluding point redemption and award night.
- Troon Rewards and PRIVÉ ACCESS golf benefits
- $100 credit for qualifying dining, spa or other hotel recreational activities. Use the credit with any paid stay at The Ritz-Carlton of two nights or more OR get a $100 hotel credit per stay at all Marriott luxury properties. Advance reservations are required. Valid only on non-discounted rates. Cannot be combined with any packages, discounts, negotiated corporate or group rates or point-redemption bookings.
Things qualifying/not qualifying under $300 annual travel credit
one member wrote: AA is now showing gift cards as "giftcard" rather than general purchase if the csr looks closely. Last year it worked for me, yesterday it did not and csr told me that's why. However, later the same day I also requested the credit by Secure Message (for "baggage fees) and it was approved. Very YMMV now but still doable. 2/10/2017
Southwest Airlines GCs work fairly easily. I've generally bought them for $150 and said they're excess baggage fees.
Frequent Miler has a collection of data points of what has worked in the past. Link
Ritz-Carlton Visa Infinite - closed for applications 7.26.2018 (2016-2021)
Mar 28, 2018, 3:58 pm
#1576
Join Date: Jan 2014
Posts: 742
Maybe so, but there is no way to set spending limits on AU cards, so if you have 3 AU's and a 30k limit, then the AUs all have access to the 30k limit, not something everyone wants to let their kids/wife/mistress(es) have access to. This is one of the best cards for AU privileges, something you want to give to other people without having to share your entire credit limit with. Plus, who needs any credit on this? 1/3 of an spg pt per dollar, yay!
Mar 29, 2018, 6:14 am
#1578
Join Date: Sep 2011
Posts: 1,857
It's also within the rules for Chase to shut down all of your credit cards whenever they want. That's Chase's standard response to any account holder they deem risky or abusive. For me it would be about that, not about morality. The rest of my credit card relationship with Chase is worth far more than $450.
Mar 29, 2018, 8:03 am
#1579
Join Date: Jan 2014
Posts: 742
It's also within the rules for Chase to shut down all of your credit cards whenever they want. That's Chase's standard response to any account holder they deem risky or abusive. For me it would be about that, not about morality. The rest of my credit card relationship with Chase is worth far more than $450.
Chase can still shut you down whenever they want, probably best to avoid office max too since they sell gift cards.
Mar 29, 2018, 8:25 am
#1580
Join Date: Aug 2014
Posts: 736
Most wont allow you to lower it to low enough of a CL to result in no fee.
Mar 29, 2018, 10:07 am
#1581
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
This issue would not arise with American Express charge cards, because there is (usually) no specified credit limit.
Here is the text of the law:
‘‘(n) STANDARDS APPLICABLE TO INITIAL ISSUANCE OF SUBPRIME
OR ‘FEE HARVESTER’ CARDS.—
‘‘(1) IN GENERAL.—If the terms of a credit card account
under an open end consumer credit plan require the payment
of any fees (other than any late fee, over-the-limit fee, or
fee for a payment returned for insufficient funds) by the consumer
in the first year during which the account is opened
in an aggregate amount in excess of 25 percent of the total
amount of credit authorized under the account when the
account is opened, no payment of any fees (other than any
late fee, over-the-limit fee, or fee for a payment returned for
insufficient funds) may be made from the credit made available
under the terms of the account.
OR ‘FEE HARVESTER’ CARDS.—
‘‘(1) IN GENERAL.—If the terms of a credit card account
under an open end consumer credit plan require the payment
of any fees (other than any late fee, over-the-limit fee, or
fee for a payment returned for insufficient funds) by the consumer
in the first year during which the account is opened
in an aggregate amount in excess of 25 percent of the total
amount of credit authorized under the account when the
account is opened, no payment of any fees (other than any
late fee, over-the-limit fee, or fee for a payment returned for
insufficient funds) may be made from the credit made available
under the terms of the account.
Last edited by mia; Mar 29, 2018 at 10:25 am
Mar 29, 2018, 10:20 am
#1582
Join Date: Sep 2011
Posts: 1,857
It's naive to think that way in this day and age, especially in retail. Risk management departments, particularly at banks, have become more powerful than profit centers over the last decade. IMO, if Chase deems you risky or abusive, by whatever unpredictable metric-du-jour they happen to be using, they'll cut you off and never look back.
Apr 2, 2018, 7:39 pm
#1583
Join Date: Aug 2013
Posts: 171
Does the Ritz credit limit need to be reduced to $1,500 prior to the annual fee being assessed for the no fee trick to work? My wife opened her card 2 weeks ago and put $4,500 in spend on it. We made a $3K payment a few days ago and were waiting to pay it down further before reducing the limit. The $450 annual fee just hit today. Is it too late to reduce the limit now?
Apr 2, 2018, 7:44 pm
#1584
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
Does the Ritz credit limit need to be reduced to $1,500 prior to the annual fee being assessed for the no fee trick to work? My wife opened her card 2 weeks ago and put $4,500 in spend on it. We made a $3K payment a few days ago and were waiting to pay it down further before reducing the limit. The $450 annual fee just hit today. Is it too late to reduce the limit now?
Apr 3, 2018, 10:19 pm
#1586
Join Date: Nov 2014
Location: USA
Posts: 1,084
hi guys
any new chatter as far as what we can expect to happen to this card once Marriott and SPG programs merge? Will Chase grandfather this card? (i mainly care about the Visa air benefit), would they move the accounts to Amex (i hope not, I'd prefer to get a juicy signup from Amex). or will they convert these cards to a CSR (similar to how they converted Fairmont cards to CSP)
any new chatter as far as what we can expect to happen to this card once Marriott and SPG programs merge? Will Chase grandfather this card? (i mainly care about the Visa air benefit), would they move the accounts to Amex (i hope not, I'd prefer to get a juicy signup from Amex). or will they convert these cards to a CSR (similar to how they converted Fairmont cards to CSP)
Apr 4, 2018, 5:41 am
#1587
Join Date: Aug 2014
Posts: 736
hi guys
any new chatter as far as what we can expect to happen to this card once Marriott and SPG programs merge? Will Chase grandfather this card? (i mainly care about the Visa air benefit), would they move the accounts to Amex (i hope not, I'd prefer to get a juicy signup from Amex). or will they convert these cards to a CSR (similar to how they converted Fairmont cards to CSP)
any new chatter as far as what we can expect to happen to this card once Marriott and SPG programs merge? Will Chase grandfather this card? (i mainly care about the Visa air benefit), would they move the accounts to Amex (i hope not, I'd prefer to get a juicy signup from Amex). or will they convert these cards to a CSR (similar to how they converted Fairmont cards to CSP)
Apr 4, 2018, 8:09 am
#1588
Join Date: Jun 2011
Posts: 3,524
hi guys
any new chatter as far as what we can expect to happen to this card once Marriott and SPG programs merge? Will Chase grandfather this card? (i mainly care about the Visa air benefit), would they move the accounts to Amex (i hope not, I'd prefer to get a juicy signup from Amex). or will they convert these cards to a CSR (similar to how they converted Fairmont cards to CSP)
any new chatter as far as what we can expect to happen to this card once Marriott and SPG programs merge? Will Chase grandfather this card? (i mainly care about the Visa air benefit), would they move the accounts to Amex (i hope not, I'd prefer to get a juicy signup from Amex). or will they convert these cards to a CSR (similar to how they converted Fairmont cards to CSP)
Apr 4, 2018, 10:02 am
#1589
FlyerTalk Evangelist
Join Date: Jul 2008
Location: IAH
Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
Posts: 12,784
Everything is rumor at the moment, but since the "premium consumer" card will be issued by Amex, a conversion of the Ritz to a CSR would be my preferred outcome. I can always use another Chase UR card.
Apr 4, 2018, 11:34 am
#1590
Join Date: Mar 2013
Posts: 299
I'm grandfathered to the $395 AF, and maybe $450 vs. $395 is the difference but I'd never close this card. $300 travel credit each year, unlimited $100 off Visa Infinite flights, PP, Gold that transfers to SPG, free AU. Plus the 3 nights I got as a bonus. I'm way over 5/24 to get CSR, so I'd never close this thing.